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Customizing Your Home Insurance Policy

When it comes time to buy home insurance, most people tend to view it as a "One size fits all" proposition. The initial value is often set by the mortgage company, or perhaps recommended by the insurance agent, the homeowner told what the premium will be and they move on, never giving a lot of thought to the details of the policy. This is often not the best way to buy insurance, even if you’re buying from a reputable agent like Stevens Insurance in Las Vegas, NV. A home insurance policy is most effective when customized to the details of the home and the needs of the homeowner.

No two houses are alike, so no two home insurance policies should be alike. Obviously, a more valuable house, one that would cost more to replace, should be insured for more money. If the house is located in a flood plain or area prone to earthquakes, specific insurance may need to be purchased for those, as they’re often not covered in a standard policy.

A homeowner may possess a number of belongings that either aren’t covered or are not covered enough under a standard home insurance policy. Expensive jewelry, artwork or electronics are often worth far more than a basic insurance policy will allot for them. This means that unless a homeowner has the foresight to adjust the coverage amounts or add riders to the policy to cover these items, they will likely have to pay a lot out of pocket to replace them after an incident. Speaking of out of pocket costs, a homeowner can always adjust how much they will end up paying out of pocket on a claim by raising or lowering their deductible. If you need home insurance in Las Vegas, NV, Stevens Insurance can get you the right policy customized to fit your needs.